Highlights The investments can be done with as little as Rs 250 and with multiples of Rs 150 and an annual cap of Rs 1,50,000 in a financial year. The Senior Citizens Savings Scheme (SCSS) provides security to retired employees who want an assured return. The PPF account can be opened with a minimum amount of Rs 500 and the maximum can go up to Rs 1.5 lakh with a maturity period of 15 years. There are several government schemes that are worthy of investment and with the Modi government promising to not reduce the interest rates of saving schemes, there is icing on the cake for the employees.